El historial crediticio es un registro de los comportamientos que has tenido con los productos financieros que has adquirido a lo largo de tu vida. Este reporte muestra cómo has administrado, en el pasado, las deudas contraídas en entidades financieras o en establecimientos de comercio (como cuentas de teléfono celular, almacenes de cadena, internet, etc.); y aporta información de interés sobre aspectos relacionados con tu capacidad de solvencia. De esta manera, el banco o entidad financiera puede observar estos datos y predecir tu comportamiento futuro, para así decidir si eres un candidato favorable para otorgar un crédito. Se puede decir que lo que busca la entidad con estos reportes es poder medir el nivel de riesgo del prestatario.
¿Qué datos aparecen en el historial de crédito?
- Datos personales (nombre, apellidos, dirección, etc.)
- Los productos financieros contratados previamente (tarjetas de crédito, préstamos, etc.)
- Información sobre el historial de pago e impagos.
- Información sobre pertenencia en los Operadores de Información (antes Centrales de Riesgo)
¿Cómo tener un buen historial crediticio?
Aunque no hay una fórmula exacta que garantice un historial crediticio favorable, si podemos ofrecerte algunas recomendaciones:
1. Planifica
Es supremamente importante que conozcas tu capacidad de pago y que nunca te comprometas a unos pagos que no vas a poder hacer. Para lograr esto, ten presente tus gastos mensuales fijos y tus límites financieros, para que puedas tener claro si puedes adquirir nuevos compromisos. Así, es recomendable que tus deudas no excedan el 30% de tus ingresos.
2. Se puntual
Paga tus préstamos y deudas de forma puntual. Si eres responsable con las fechas de pago, demostrarás solidez financiera, lo que es siempre una buena señal. Recuerda que, aunque un atraso de uno o dos días en el pago de una deuda no afectará tu historial, la impuntualidad constante en los pagos si logrará hacerlo, lo cual podría significarte problemas para acceder a nuevos créditos. Este es uno de los puntos más importantes para poder contar con un buen historial financiero.
3. Ordena y está atento a tus finanzas
Ten claro tus ingresos, gastos fijos y deudas para que puedas tener una buena salud financiera. Esto te ayudará a poder realizar pagos de manera fácil y así que tu economía no se vea afectada.
4. Se consciente
Antes de realizar un gasto o comprometerte a un préstamo, evalúa si es realmente necesario. Intenta adquirir deudas sobre compromisos que sean realmente importantes para ti y que no se vayan a convertir en un problema en el futuro.
¿Qué son los Operadores de Información?
Anteriormente llamadas Centrales de Riesgo, son entidades que se encargan de recolectar, almacenar y procesar información financiera, crediticia, comercial y de servicios. Si esta información es positiva tendrás permanencia indefinida, sin embargo, si la información es negativa el tiempo puede variar. Por ejemplo, si el incumplimiento de la deuda (mora) es inferior a 2 años, el reporte no podrá exceder el doble de la mora. Es decir, si la mora es de 6 meses, permanecerás reportado por 1 año a partir de la fecha de pago. Pero, si la mora es superior a 2 años, podrás llegar a estar reportado hasta 4 años a partir de la fecha de pago de la deuda. Lo cual puede afectar la percepción de los bancos sobre tu capacidad de solvencia.
¿Consideras que tienes un mal historial crediticio y te preocupa no conseguir créditos?
¡No te preocupes! En Linxe, para solicitar un adelanto de tu salario o conseguir un crédito de bajo monto no requieres de experiencia crediticia. Y, además, aún si estás mal calificado en una entidad de Operadores de información, puedes aplicar y conseguir un préstamo a corto plazo.
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